2012Bank personal loans business examination chapter three or four Zhenti prediction

2012Years banking personal loan. Third chapter forecasts exam questions, with answers

The third chapter personal loan management

A, single choice

1. lender shall require the borrower to () the personal loan application, and require the borrower to provide relevant information to prove their compliance with loan conditions.

AThe open form

BA written form

CThe oral form

DThe official form

2. lending survey should be mainly (), () as a supplement, take the field verification, telephone inquiry and information consulting and other ways and methods.

AInvestigation of indirect investigation

BDirect investigation of indirect investigation

CIndirect investigation and field survey

DField survey questionnaire

3. to guarantee personal loans, the lender shall be not less than () to complete the loan officers.

A．2

B．3

C．4

D．5

4. about personal loan management after loan, which of the following errors is ().

AThe lender shall regularly track. Analysis and evaluation of the borrower to the loan contract agreed content

B. with the consent of the lender, personal loans can be extended

C. for more than a year of personal loans, the extension period shall not exceed a total of the original loan period

DFor failing to repay the loan agreement loan contract, the lender shall take measures to collect, or restructuring agreement

Two, multiple choice questions

1Personal loans (). Should follow the principle of.

AAccording to the law compliance

BPrudent management

CThe independent operation

DEquality, voluntary

EFairness and integrity

2. personal loan application should have ().

A. the borrower must be a citizen of the people's Republic of China has full capacity for civil conduct

BLoan amount, term. Reasonable and currency

C. borrowers have repayment willingness and ability to repay

D. good credit borrowers, no significant adverse credit record

EOther conditions required by the Lender

3. appear () case of personal loans, with the consent of the lender can take the borrower payment.

A. the borrower cannot be determined in advance the specific transaction object and the amount is not more than three hundred thousand yuan

BThe transaction object. The borrower does not have the conditions for efficient use of non cash settlement

CLoan funds for the production and business operation and the amount is not more than one million yuan

DThe transaction object. The borrower is in conformity with the relevant provisions of the state's foreign natural persons

EOther circumstances stipulated by laws and regulations

Three, determine the title (the right judgment of right and wrong, correct useASaid, wrong withBExpress.

1. according to relevant regulations, use the lender for personal loans shall comply with the provisions of laws and regulations and the relevant policies of the state, but its use is uncertain. ()

2. on has not been approved to apply for a personal loan, the lender shall notify the borrower. ()

Answer for reference and analysis

A, single choice

1．B(analytic) according to the "Interim Measures" personal loan management12Article, the lender shall require the borrower in writing to apply for a personal loan.BXiang Zhengque.

2．A(analytic) according to the "Interim Measures" personal loan management15The provisions of the loan investigation, should be based on the field survey, supplemented by indirect survey.AXiang Zhengque.

3．A(analytic) according to the "Interim Measures" personal loan management26Provisions, to guarantee personal loans, the lender shall be not less than two members of the credit staff.AXiang Zhengque.

4(analytic). According to the "Interim Measures" personal loan management39Shall, within one year (inclusive) of personal loans, the extension period shall not exceed a total of the original loan period; more than a year of personal loans, and loans for the extension period cumulative sum, shall not exceed the provisions of the loan of the longest duration of the loan. So the argument error.

Two, multiple choice questions

1．ABDE(analytic) according to the "Interim Measures" personal loan management4Article, personal loans shall follow the law compliance, prudent operation, equality and voluntariness, fairness and good faith principle. ThereforeABDEXiang Zhengque.

2．BDE(analytic) according to the "Interim Measures" personal loan management11The provisions, apply for a personal loan shall meet the following conditions:

(a) the borrower with full capacity for civil conduct of the people's Republic of China or in conformity with the relevant provisions of the state foreign natural persons;

(two) the use of the loans clear legal;

(three) loan amount, maturity and currency reasonable;

(four) the borrower have repayment willingness and ability to repay;

(five) good credit borrowers, no significant adverse credit record;

(six) other conditions required by the lender.

Hereby,AThe following error. A.BCDE.

3．ABE(analytic) according to the "Interim Measures" personal loan management33Shall, in any of the following circumstances of individual loans, the lender can take the borrower payment:

(a) the borrower cannot determine in advance the specific transaction object and the amount is not more than three hundred thousand yuan;

(two) the borrower transaction object does not have the conditions for efficient use of non cash settlement;

(three) the loan funds for the production and business operation and the amount is not more than five hundred thousand yuan;

(four) other circumstances stipulated by laws and regulations.

ThereforeCDNot with.

Three, determine the title

1．B(analytic) according to the "Interim Measures" personal loan management7Article, use personal loans shall comply with the provisions of laws and regulations and the relevant policies of the state, the lender shall not issue non earmarked personal loans. So what is wrong.

2．A(analytic) according to the "Interim Measures" personal loan management21Article, the correct.

The fourth chapter individual housing loans

A, single choice

1Which of the following statements about. Individual housing loan contract, the error is ().

AShould the contract text. Use the same format for individual housing loans

B. not to fill in the contents of the blank column do not need treatment

CWith loan contract in person and contract review may not be the same person

DTo take collateral way, should require collateral has signed the contract text

2Which of the following should not be included. Bad loans? ()

A. Lee due to travel abroad, the principal and interest of the loan did not return in time

BDeclaration of death. Zhang, with its property settlement, still failed to pay off his loan

CBy the financial crisis. Zhao to lose their jobs, there is no regular income, no force repayment mortgage

D. Wang has been unable to repay loans, the mortgage bank will auction, but the amount of loss cannot be determined

3．"False loan"The main causes are not included ().

ADevelopers using"False loan"Malicious bank fraud

BIn order to obtain bank loans. Consumers and Implementation"False loan"

CDevelopers to obtain preferential loans and the implementation of"False loan"

DBank management loopholes to"False loan"An opportunity to

4At the following, () is a kind of policy of individual housing loans.

AThe self-interest of individual housing loans

BIndividual housing provident fund loans

CIndividual housing loans portfolio

DThe transfer of individual housing loans

5Individual housing loans can be implemented. The mortgage, pledge and guarantee in three ways. In general, only provides the guarantee by way of security, apply only to the period of not more than () years of the loan, the loan amount may not exceed the purchase (build, overhaul housing value ()).

A．5;50%

B．10;30%

C．15,20%

D．20;10%

6In Yishoufang loans, housing completed mortgage registration by the former general () assume guarantee liability.

AAgency

BThe guarantee mechanism

CBorrower

DDevelopers

7For the loan period1Years of individual housing loans, the contract period in case of adjustment of the legal interest rate, banks were in practice (, according to the corresponding level of interest rates to the implementation of the new interest rate rules.

ASame day

BThe next working day

CA month1Day

DNext year1Month1Day

8In the first instance. For loan applications submitted by the applicant and the material application, loans should be mainly review the loan applicant qualification and the loan applicant submitted materials ().

AThe authenticity and integrity

BAuthenticity and normative

CThe integrity and standardization

DThe integrity and rationality

9For the property developers and the project itself does not include (review).

AA complete review of project information

BThe legality of the project review

CProject progress review

DProject investigation

10In the individual housing loan business, the following subjects may have secured qualification is ().

A. natural person has a relationship with the borrower

BLegal person does not have compensatory capacity

CCorporate has committed any serious illegal act, damage the interests of the bank

DCorporate three years of consecutive losses

11In the examination and approval links of individual housing loans, the single examination and approval, the loan approval people directly in the () signed approval.

AIndividual housing loan review investigation table

BIndividual housing loan contract

CPersonal loan application and approval form

DIndividual housing loan application

12Entrust other natural person. The borrower for individual housing loans are paid, the agent needs to hold the documents or materials (not included).

AMy ID card

BThe borrower identity documents

CThe power of attorney

DApproval of individual housing loans

13. individual housing loan borrowers to apply for adjustment of the loan period, conditions must have not included ().

AThe loan before maturity

BNo less interest

CNo arrears of principal

DNo bad credit record

14The following statement about the loan risk classification, the error is ().

AAt the loan risk classification refers to the loan assets are classified according to the standards and procedures

BThe loan risk classification in general. The first qualitative classification, then quantitative classification

C. a loan cannot be in various forms and loan

DLoan form should follow the principle can not be split

15In economics, because of asymmetric information, banks will customers shut sb. phenomenon is a ().

AAdverse selection

BMoral risk

CCredit risks

DOperating risk

16. the undertaking bank can agent duties do not include ().

AThe financial procedures

BThe loan before the consultation

CAfter the loan review

DQuery reconciliation after the loan

17. borrowers use provident fund housing loans to individuals to purchase from the housing (housing reform housing), the maximum loan amount is not more than the total price of the purchase of housing ().

A．60%

B．70%

C．80%

D．90%

18The following on the commercial housing warranty claims, the right is the ().

A. calculation of the warranty period from the date of the signing of the contract

BAt less than construction contractors to produce quality warranty on the construction unit shall be agreed warranty period duration of non commodity residential warranty period

CIn the warranty period. There are quality problems within the scope of warranty responsibility, real estate development enterprises have the warranty obligations but does not assume liability to pay compensation

DIn the warranty period can not be damaged by fire resistance caused by, real estate development enterprises also have a warranty obligations

19Housing provident fund for workers paid. Enterprises should be in () paid.

AThe budget

BThe cost

CInterest

DTax

20Real estate development project capital ratio of less than () projects, commercial banks shall not issue any form of loans.

A．5%

B．15%

C．25%

D．35%

Two, multiple choice questions

1The following statement about the individual housing loan guarantee way, right there ().

ALoan Bank Borrowers under circumstances, should at the same time by several loan guarantee way

BIn the secondary housing loans, phased guarantee liability shall be borne by the developers in general

C. to achieve all of the housing in the housing and mortgage completed mortgage registration, mortgage guarantee plus people still bear the guarantee liability

D. state key construction bonds as pledge guarantee

E. during the period of the loan, the bank agreed to loan, the borrower may be based on the actual situation to change the way of loan guarantees

2According to the five level. The classification, bad housing loans to individuals including ().

ANormal loans

BInterest loans

CThe subprime loans

DDoubtful loans

EThe loss of the loan

3The following on the personal housing loan records management accounts, wrong are ().

ALoan files must be original

B. individual housing loan files must be independent custody, not with other banking records public place

CFor important record lending of loans, must go through the approval right of personnel.

D. the borrower repaid the loan interest, banks keep all records

EFor important archival material. Must be handled by the borrower himself, shall not entrust others

4The following statement about the provident fund individual housing loans loan amount, the right is the ().

A. generally the purchase of ordinary commercial housing, affordable housing, the maximum loan amount does not exceed the purchase price of housing80%

BPurchase financing built housing (housing reform housing), the maximum loan amount does not exceed the purchase price of housing80%

CThe purchase of second-hand housing, the maximum loan amount does not exceed the purchase price of housing60%

DFor securities as collateral for loans, the maximum loan amount does not exceed the nominal amount of the securities90%

EConstruction, rehabilitation, overhaul of housing, the loan amount does not exceed the cost of70%

5Individual housing loan applicants, including should meet the conditions ().

A. natural persons with full capacity for civil conduct

BWith valid identity or residence certificate

CHas the ability to repay the loan principal and interest

DLegal and effective. With the purchase of housing contracts

ETo provide the bank guarantee

6In handling individual housing loans, project review include ().

A. integrity, authenticity of project information

BThe legitimacy of the project

CThe project schedule

DThe effectiveness of project information

EProject funding in place

7Personal housing loan business, financial institutions to determine factors influence customer loan interest rates, the proportion of the first payment of ().

AWhether the borrower first purchase

BThe purchase of housing. The borrower is ordinary housing

CThe borrower's age

DThe borrower's credit record

EThe borrower's repayment ability

8Investigation of links. In individual housing loans credit, the developers credit review includes ().

AReal estate developers qualification

BAt the corporate credit rating or credit degree

C. the legal representative of the enterprise credit level and management decision-making ability

DProject funding in place

EAbility to repay the loan applicant

9In paid links of individual housing loans, the main risks include ().

APersonal loan information is accurate

BLoan security procedures are available, effective

CPayment term., and approval table is inconsistent

DNot focus on tracking the use of the loan

EIn the transfer of funds accounting voucher filing undesirable

10In individual housing loans, guarantee the legal risk guarantee is mainly manifested in the ().

A. without explicit suretyship of joint and several liability, recourse is difficult

BThe guarantee period is unknown

CThe guarantor's qualification is defective

DThe borrower to provide each other with assurance

EThe board of directors of the company, manager of ultra vires. Provide external guarantee

11The following statement about the individual housing provident fund loans, right there ().

A. also known as a personal housing accumulation fund loan, is a kind of special housing consumption loan

BLoan was used by the housing provident fund subscribers and incumbency paid housing provident fund for retired workers

CCompared with commercial loans, personal housing accumulation fund loans with higher interest rates

DThe term of the loan1Years (including1Years), the introduction of a debt due

EThe term of the loan1Years, generally used for repayment of principal or matching repayment of principal Act

12. apply for provident fund housing loans to individuals, including the basic conditions of the borrower should have ().

AAt a town resident accounts or effective proof of residence

BAt on time and in full deposit housing provident fund and individual housing provident fund account

C. legal and effective economic income, good credit, the principal and interest repayment capacity

DThere is legitimate. Purchase, overhaul housing contract, agreement

EMore than the minimum amount. The provisions of the local housing provident fund management departments of the self financing

13. provident fund individual housing loan business, undertake bank's responsibilities include ().

AProvident fund credit policy formulation

BProvident fund loan contract signing, payment

CAssume the provident fund credit risk

D. pre loan investigation audit, information input

EAfter the loan review., collection, query reconciliation

14. commercial housing is sold, shall comply with the conditions ().

A. is the sale of commercial housing real estate development enterprises shall have a business license of enterprise legal person and the real estate development enterprise qualification certificate

BA construction planning permit

CWater supply, power supply and other infrastructure. Having determined the construction schedule and the date of completion of the project

DHas passed the final acceptance

EProperty management programme has been implemented

15The following about the income and expenditure of the commercial bank individual housing loan applicants housing loans than parlance, wrong are ().

AMonthly income deduction. After less than income housing expenditure50%

B. than should be not less than monthly income after deducting all income and expenditure on debt55%

CExpenditures on property and income. In the formula to calculate the ratio of expenditure on property, refers to the principal of the loan repayment period (month) divided by the number of

DThe common application. Income includes the principal applicant and the co applicant's disposable income

EFor single application of loans, if the banks will spouse income is included, it should be the spouse of the debt shall be included in the

16On individual housing loans of commercial banks accounts, right there ().

A. commercial banks should through investigation and non domestic long-term residential borrowers in domestic work and income, to understand its real purpose in China, and on the basis of the investigation and verification of information on the assessment of the borrower's ability to repay and willingness to pay

BAt the value of the mortgaged property is determined by the average transaction prices and real estate prices in the assessment of trade in prevail

COn to the housing transactions, with each as mortgages were evaluated independently

DTo apply for loans. In a final approval, loan shall at least directly with borrowers to an interview, a basic understanding of the basic situation of the borrower and the loan purpose

ETo buildings and other attachments to land as collateral, it shall apply for mortgage registration

17"Approach". According to the sales of commercial property management, construction area comprising valuation in the commercial housing sales, processing mode is not agreed property registration area and the area in the contract error contract for the ().

AThe area of error than the absolute value3%Within (including3%), just clearing Fangjiekuan

BThe area of error than the absolute value of beyond3%Time, the buyer the right to check-out

CThe area of error than the absolute value of beyond3%When, upon return a house, real estate enterprises to the buyer to pay the same amount paid Fangjiekuan

D. The area of error than the absolute value beyond3%Time, the buyer did not return a house, property registration area larger than an area of the contract, real estate development enterprises take full error area Fangjiekuan

EThe area of error than the absolute value of beyond3%Time, the buyer did not return a house, property registration area smaller than an area of the contract, real estate development enterprises double return error area Fangjiekuan

18The following about the commercial real estate credit management accounts, the error is ().

A. commercial bank loans for real estate development enterprise loans, can liquidity in real estate development loans subjects

BAt commercial banks to the need for different real estate development project loans, should be prepared to the supervision department report before release

C. issuance of commercial banks to the real estate development enterprise loans, can be specially used for the payment of land leasing

D. the institutions of government land reserve loans to mortgage payment

EFor the consumption of housing loans, commercial banks can only buy the main structure has been completed issuing housing loans to individuals for housing

19The following statement about the commercial housing purchase loans, right there ().

A. business users purchase loan payment ratio shall not be less than35%

BThe term of the loan shall not exceed10Years

CLoan rates may not be lower than the published by the people's Bank China same grade rateL．1Times

DUse the loan to buy commercial housing should be completed acceptance housing

EOn to"The dual-use commercial and residential housing"Apply for loans, loan term and interest rate housing loans in accordance with the commercial management regulations

Three, determine the title (the right judgment of right and wrong, correct useASaid, wrong withBExpress.

1In individual housing loans, real estate collateral, should apply for mortgage registration, mortgage right in the lift should also go through the formalities for nullifying its registration. ()

2. the borrower to purchase housing as collateral, can be part of the value of housing for mortgage loans. ()

3. individual housing loans interest, interest settlement way, unified by the regulations of the people's Bank of Chinese. ()

4Individual housing loans can be implemented. The mortgage, pledge and three security guarantee. ()

5. pre loan investigation should at least directly with the loan applicant an interview, interview can not simultaneously with the accepting loan applications. ()

6In the process of commercial housing loans to be in, for the co applicant, by submitting application materials can be the one. ()

7For the loan approval decision opinion for the veto business, need for reconsideration of the case, the original declaration business has been provided for the materials submitted, can not repeat. ()

8. real estate developers will not be commercial housing sold to the buyer's behavior belongs to the pre-sale of commercial housing. ()

9. Commercial housing a total construction area of assessment for the common property. ()

10In the individual housing loan business, when non format terms and clauses to express the meaning of inconsistency or contradiction, should use the standard clauses. ()

11In the floating rate system, when interest rates dropped in the cycle, individual housing loan borrowers will increase the probability of default.

12At the risk of housing accumulation fund loan, borne by the agency bank. ()

13. prior information dissymmetry caused some customers were shut sb., namely moral risk. ()

14Housing accumulation fund employee units for workers paid to workers, workers in the extraction of the unit all. ()

15For prevention of credit risk, banks should pay special attention to the repayment ability of borrowers in the approval of housing loans to individuals. ()

16If the borrower is overL80Day does not perform the obligation of repayment, banks should be issued to the borrower"Early repayment notice"Early repayment of the entire loan, borrower, and pay the overdue period penalty. ()

17. provident fund individual housing loan application and approval from the provident fund management centres or banks, personal housing loan approval by the commercial banks themselves. ()

18. housing provident fund management center can be paid workers housing provident fund guarantee. ()

19Loan bank should not provide for commercial housing has been secured loan project sales. ()

Answer for reference and analysis

A, single choice

1．B(analysis) in the process of completing the contract text, to fill in the blank, and the blank after the option, on the line to fill in the selected content, and reveals the deletion of unselected content should be; a blank contract terms, but according to the actual situation is not ready to fill in the content, should be affix"This column blank"The words of the seal.

2．A(analytic) according to the five grade classification system, individual housing loans are divided into normal, attention, secondary, suspicious, loss of five class, after which the three belong to the bad personal loans.AA loan is a normal.

3．B(analytical)"False loan"Is the purpose of purchase borrowers do not have real, adopt various means to obtain bank housing loans to individuals for acts of fraud, which belongs to the real estate developers, and not the actual building increased disc sales. Developers usually in order to alleviate the situation, property sales to obtain preferential loans, malicious obtain bank funds and the implementation of"False loan", or bank management loopholes to"False loan"An opportunity to.

4．B(analytic) provident fund housing loans to individuals for the purpose of a non-profit, implement"Low low into the"Interest rate policy, with strong policy, loan amount is limited. Therefore, it is a policy of individual housing loans.

5．A(analysis) in the guarantee of individual housing loans, only provides the guarantee by way of security, is only applicable to the loan period of not more than5Years (including5Years) loans, the loan amount may not exceed the purchase (build, overhaul housing value)50%. By the housing Guarantee Corporation to provide guarantee, the loan period of relaxation toL5Years, and loan amount can reach its purchase of property value70%.

6．D(analytic) loans in a room, in the housing completed mortgage registration, generally by the developers assume guarantee liability stage; in the secondary housing loans, phased guarantee responsibility generally assumed by intermediaries or guarantee institutions.

7．D(analytic) the loan period at1Years of individual housing loans, the contract period in case of adjustment of the legal interest rate, can be agreed upon by borrowing on commercial principles, can be adjusted on a monthly basis during the contract period, quarterly, annual, also can be used to determine the fixed rate. But in practice, banks are in the following yearLMonth1The implementation of the new rates according to the provisions of the appropriate level of interest rates to date.

8．C(analytic) loan accept loan applications submitted to the loan applicant and written material for the trial, qualification and the loan applicant mainly review the loan applicant submit complete materials and standard. If the loan applicant to submit materials are incomplete or inconsistent with the material specification, require the applicant to supplement the materials or to provide the relevant materials.

9．D(analytic) review of individual housing loans to developers of development projects including the credit review, the project itself and the review of the project investigation. The project itself review included a review of project data integrity, authenticity and validity of the review, in place of project funds, on the legality of the project review, the project progress review.

10．A(analytic) in individual housing loans, the guarantor shall have the qualification of a guarantor and compensatory ability. If the legal guarantee three years consecutive losses, the bank blacklisted or illegal behavior seriously harm the interests of banks, are not as guarantor. The natural person has a relationship with the borrower if have the qualification of a guarantor and compensatory ability, can assume guarantee.

11．C(analytic) using single approval, the loan approval people directly in the"Personal loan application and approval form"Signed approval; the double way of examination and approval, the full-time loan approval signed approval, evacuation loan approval to take the lead person signed approval.

12．D(analytic) in individual housing loans are paid links, the borrower may entrust the bank loans or other agent to handle the. If the borrower to entrust other natural agent, agent of natural person should be holding my ID card, ID card and the borrower borrower authorization to counter. The lending bank deems it necessary, can request to the power of attorney notarized.'

13．D(analytic) the borrower is required to adjust the loan period, should submit to the bank the maturity adjustment request, and must meet the following conditions:1Loans outstanding;②No less interest;③Without arrears of principal, the principal has returned. Period of adjustment, the bank will calculate the instalment payment to the borrower.

14．B(of) the loan risk classification generally first quantitative classification, namely according to the lender for default time (period) the number of classification, then the qualitative classification, according to the results of borrower default properties and loan risk degree of quantitative classification of revising and adjusting the necessary.

15．A(analytic) handling individual housing loans, in the current business environment, the cost and difficulty of real personal information acquisition are relatively large, often caused by the information asymmetry in the work. Prior information dissymmetry makes some customers were shut sb., namely adverse selection in economics; ex post asymmetric information makes the bank loans risk, moral risk.

16．A(analytic) undertake Bank commissioned agent responsibilities: - former consultation, examination, information input; credit audit, collection, query reconciliation.AFinancial procedures is the host bank must fulfill duties.

17．DThe maximum amount of (analytic) provident fund individual housing loans in accordance with the relevant provisions of the local housing provident fund management executive, single loan amount does not exceed the local housing provident fund management center, the maximum loan amount degree:1The general purchase ordinary commodity housing, affordable housing, the maximum loan amount does not exceed the purchase price of housing80%;②To purchase from the housing (housing reform housing), the maximum loan amount does not exceed the total price of the purchase of housing90%;③The purchase of second-hand housing, the maximum loan amount does not exceed the purchase price of housing70%;④With the securities pledge loan, the maximum loan amount does not exceed the nominal amount of the securities90%;5The construction, rehabilitation, overhaul of housing, the loan amount does not exceed the cost of60%.

18．B(analytic) according to the relevant provisions, real estate development enterprises should"-3For the sale of commercial housing quality warranty assume responsibility. The parties concerned shall make about fixed on the scope of warranty, warranty period, the warranty responsibility for the contents in the contract. Warranty period from the date of delivery. Below the construction contractors to produce quality warranty on the construction unit shall be agreed warranty period duration of commodity residential warranty period; non residential commercial housing warranty period shall not be lower to construction contractors to produce quality warranty on the construction unit agreed warranty period. Belong to the scope of warranty quality problems occur in the warranty period, the real estate development enterprise shall perform the obligations of maintenance, and bear the liability of compensation for the loss making . The damage for the irresistible or improper use, does not undertake the responsibility of real estate development enterprises.

19．B(analytic) "housing provident fund regulations" article23Regulation, unit housing provident fund for employees provident funds, in accordance with the following provisions:1Authorities in the budget expenditure;②Public institutions are determined by the financial department budget, budget or expenses incurred in the;③At the cost of business expenses.

20．D(analytic) "notice" on the strengthening of commercial real estate credit management regulations, the project capital (equity) amounted to less than35%Or not to obtain land use right certificate, construction land planning permits, construction permits and construction planning permit projects, commercial banks shall not issue any form of loans.

Two, multiple choice questions

1．ADE(analytical)BA: in Yishoufang loans, housing completed mortgage registration, generally by the developers assume responsibility for stage, and in the secondary housing loans, stage guarantee responsibility is usually assumed by intermediaries or guarantee institutions;CA: to achieve all of the housing in the housing and mortgage completed mortgage registration, according to the contract, mortgage guarantee plus people no longer perform the guarantee responsibility.

2．CDE(analytic) according to the five grade classification, bad housing loans to individuals including five tier classification of three categories of loans, secondary, doubtful and loss loans. The bank should be in accordance with the provisions of banking supervision departments regularly on bad housing loans to individuals identified.

3．ABDE(analytical)AA: Loan file can be an original, also can copy is legally binding;BA: the bank can according to the need of business or conditions, determine the individual housing loan files are independent insurance tube or with other banking records public place;DA: the borrower repaid the loan interest, some archival materials need to be returned to the borrower;EA: to get important archival materials shall be borne by the borrower handled himself, and produce their identity cards original; the borrower commissioned to receive, the trustee shall present the issue of power of attorney and ID card copy of the borrower, the original identity card, the ID card copy.

4．AD(analytical)BA: to purchase from the housing (housing reform housing), the maximum loan amount does not exceed the purchase price of housing90%;CA: the purchase of second-hand housing, the maximum loan amount does not exceed the purchase price of housing70%;EA: the construction, rehabilitation, overhaul of housing, the loan amount does not exceed the cost of60%.

5．ABCDE(object) analysis of individual housing loan should be a natural person with full capacity for civil conduct. In addition, the applicant need to meet other requirements of bank loans, including:1Legal and valid identity or residence certificate;②A stable income, good credit, loan servicing capacity;③Legal and effective purchasing (build, overhaul) other documents required by the housing contract, agreement and bank loans;④There are bank loans approved for a mortgage or pledge of assets, legal person, or have sufficient capacity to compensate for other economic organization or natural person as a guarantee;5Bank loans to the other conditions stipulated by the.

6．ABCDE(analytic) omitted

7．ABDE(analysis) to customers of financial institutions lending rates, the proportion of the first payment, should be based on the borrower is the first purchase or non first time buyers, since the housing or non self whether housing, Taoxing construction area is the ordinary housing, risk factors and the borrower's credit record and repayment ability to determine the difference in the lower limit of the above.

8．ABC(analytic) developers credit review includes:1Real estate developers qualification review;②Corporate credit rating or credit degree;③Issued by the State Administration for Industry and commerce business license of enterprise legal person;④Tax registration certificate;5Accounting statements.⑥Debts of developers and provide guarantee for other creditors of the situation;⑦The legal representative of the enterprise credit level and management decision-making ability.DA review of the project itself;EStudy on the borrower belongs to the examination content.

9．ABCE(analytic) loan process transfer of funds, to be considered, mainly from the loan transfer examination and loan funds are two major risk, as follows:1Personal loans information input whether reef, lending program compliance;②Loan guarantee formalities is complete, effective, mortgage or pledge is for mortgage or pledge registration procedures;③Loans issued in the condition of incomplete cases;

④In the funds transfer risk point in the accounting voucher filing undesirable, failing to examine accounting vouchers; loans to cash payment, no"First, after the loan account"Etc.;5Not according to the loan amount, loan period, the provisions loan guarantee way, discount loans, lending errors accounting, payment, and time limit of approval is not consistent, cause errors in loans.DThe risk of post loan management link.

10．ABCDE(analysis) to ensure that the legal risk guarantee is mainly manifested in the:1Without explicit suretyship of joint and several liability, recourse is difficult;②No clear guarantee period or the guarantee period is unknown;③The guarantor's qualification has defects or lack of assurance ability;④The borrower to provide each other with assurance, useless in granting credit loans;5The branch company, enterprise to provide guarantees for the individual;⑥Company, business departments, directors, managers provide external guarantee, ultra vires.

11．ABDE(analytical)CA: compared with commercial loans, personal housing accumulation fund loan interest rates are relatively low.

12．ABCDE(analytic) exceptABCDEFive, apply for provident fund individual housing loans, the borrower shall also provide the bank approved collateral, such as to meet the requirements for a mortgage or pledge of assets, legal person, or have sufficient capacity to compensate for other economic organization or natural person as a guarantee.

13．BDE(analytic) provident fund individual housing loan business, undertake the duties for the bank loan contract signing, payment of provident fund, employee loans account and settlement and financial procedures; can be commissioned agent responsibilities: - former consultation, examination, information input, credit audit, collection, query reconciliation.ACTwo basic functions belonging to the provident fund management center.

14．ABDE(analytic) "sales of commercial property management approach" article7Regulation, commercial housing is sold, should have the following conditions:1Is the sale of commercial housing real estate development enterprises shall have a business license of enterprise legal person and the real estate property development enterprise qualification certificate;②The acquisition of land use approval documents or certificates of land use;③A construction planning permit and construction permit;④Has passed the final acceptance;5Relocation has been implemented;⑥For water, power supply, heating, gas, communications and other infrastructure facilities have to use conditions, and other supporting infrastructure and public facilities have to use conditions or has determined the construction schedule and the date of delivery;⑦Property management programme has been implemented.

15．BC(analytical)BA: the debt of all expenditures and income than the control at55%The following (including55%);CA: ratio formula of property income and expenditure for: (this is also the amount of loans+On property management fees), the average monthly income.

16.ACDE(analytic) "commercial bank real estate loan risk management guidelines" article38Regulation, commercial banks should distinguish collateral conditions. The value of the mortgaged property is determined by the real estate price or to assess the value at the time of the transaction in whichever is lower.

17．AB(analytic) "sales of commercial property management approach" article20Article, the area comprising the construction or construction area of valuation, the parties shall specify the processing contract area and the area of property rights registration error in contract. No contract agreement, according to the following principles:1Than the absolute error in the area3%Within (including3%), just clearing fangjiekuan;②The area of error than the absolute value beyond3%When, the buyer has the right to return a house. Upon return a house, real estate development enterprises should the buyer to make the check-out date30Days after the buyer paid Fangjiakuan refund to the buyer, at the same time payment paid Fangjiekuan interest. The buyer did not return a house, property right registration area of more than contractual area, the area of error than in the3%Within (including3%) part be supplemented by the buyer, beyond3%Fangjiekuan assumed by the real estate development enterprises, the property to the buyer. Production right registration area smaller than an area of the contract, the area of error than the absolute value in3%Within (including3%) of Fangjiekuan by real estate development enterprises to the buyer, the absolute value in excess of3%Fangjiekuan by real estate development enterprises to double the return of the buyer.

18．AC(analytical)AA: commercial bank loans for real estate development enterprise loans only through the issuance of real estate development loans subjects, it is strictly prohibited to real estate development in the flow of funds loans and other loans subjects;CA: commercial banks not was issued to the real estate development enterprise dedicated to pay land leasing loans. The institutions of government land reserve loans should be in the form of a mortgage payment.

19．BCDE(analytical)AA: commercial housing purchase loan payment ratio shall not be less than50%.

Three, determine the title

1．A(analytic) according to the "property law" articleL87Provisions, to the real estate collateral, it shall apply for mortgage registration. The mortgage right shall be established since the registration. "Individual housing loans management measures" article20The provisions of the mortgage contract, the final check, the parties should be according to the contract, rescission right of mortgage set. To real estate as collateral, the collateral rights, should go to handle the mortgage write off registration the registration department.

2．B(analytic) the borrower to purchase housing as collateral, housing must be for the full value of mortgage loans, other property recognized in the lending bank mortgage, banks tend to the provisions of the loan amount may not exceed a certain percentage of the value of the mortgaged property.

3．B(analysis) of individual housing loans, the interest rates way junction, determined by both parties of the loan agreement.

4．A(analysis) of individual housing loans can be implemented mortgage, pledge and three security guarantee. Bank loans can be based on the borrower's specific circumstances, with one or several at the same time the loan guarantee way.

5．B(analytic) interview can be done at the same time in accepting loan applications.

6．B(analytic) loans shall request the commercial housing loan applicants to fill in the application form, and submit the relevant application materials by the bank. For the co applicant, should also require applicants to submit the relevant application materials together.

7．A(analysis) for the loan approval decision opinion for the veto of business, the applicant institution (Department) that have sufficient reasons, may request the review (review). To review the business, declaration and approval processes and operations, the original declaration business has been provided for the materials submitted, can not repeat.

8．A(analytic) "sales of commercial property management approach" article3Regulation, commercial housing is sold, refers to the real estate development enterprises will be completed acceptance of commercial housing sold to the buyer, and the buyer to pay Fangjiekuan behaviour. Pre-sale of commercial housing, refers to the real estate development enterprises will be the construction of pre commercial housing sold to the buyer, and the deposit paid by the buyer or Fangjiekuan behaviour.

9．A(analytic) "sales of commercial property management approach" article18Regulation, commercial housing construction area comprising the construction area and assessed a total construction area, the area comprising the construction of some independent property, is allocated to a total construction area of part of the common property, the buyer shall enjoy the rights according to the provisions of the laws and regulations, shall bear the responsibility.

10．B(analytic) non standard terms are agreed in the format provisions of clause, or renegotiate the terms of the format of the terms of the original, is specifically agreed to loan contract parties. When the non format terms and clauses. thinking expression inconsistency or contradiction, according to the "contract law" article41Provisions, i.e."Inconsistent format clause and the non format, shall adopt the non format terms". Visible, the supplementary provisions, special clauses and other non format clause effect is better than the standard clauses.

11．B(analytic) China currently floating rate housing loans to individuals in the system, so that the borrower to bear a considerable proportion of interest rate risk, which leads to the borrower in the interest rate cycle to increase the loan default possibility; and when interest rates in a down cycle, the borrower's interest to reduce the pressure, the likelihood of default may decline.

12．B(analytic) "housing provident fund regulations" article26Article, the risk of housing provident fund loans, borne by the housing provident fund management center.

13．BAsymmetric (analytical) ex ante information that some customers were shut sb. risk, called adverse selection.

14．B(analytic) "housing provident fund regulations" article3Regulations, housing provident fund workers paid by the individual housing provident fund and the employee units for workers paid, belonging to the workers of all individuals.

15．A(analytic) against individual housing loan default risk should be special cut pay attention to grasp the borrower's repayment ability, change the past"Heavy mortgage repayment ability, light"Loan approval ideas. The bank should investigate and review further strictly personal lives housing loans, especially the attention and assessment of the borrower's repayment ability, accurately grasp the first source of repayment, so as to effectively control the credit risk of individual housing loan business.

16．B(analytic) if the borrower more than90Day does not perform the obligation of repayment, the bank will give the borrower a"Early repayment notice", have the right to require the borrower to repay all the money, and pay the overdue period penalty. If overdueL80Heaven above, banks will refuse to repayment of the borrower in litigation, to dispose of the mortgaged property.

17．B(analytic) provident fund individual housing loan from the local housing provident fund management center is responsible for the examination and approval, and not by the bank for approval.

18．B(analytic) "housing provident fund regulations" article28Regulation, the housing accumulation fund management center shall not provide guaranty for others.

19．A(analytic) in project development review of legality, should pay attention to land use rights are mortgaged, the dispute to prevent the disposition of the collateral, to avoid loan risk. Generally speaking, bank loans should not provide for commercial housing has been secured loan project sales.

 

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